See where your VA benefit actually stands.

Eight questions, about three minutes. No credit pull. No Social Security number. Nothing touches your credit.

This check needs JavaScript, and yours is switched off.

That is a fair choice and I am not going to nag you about it. The check works by asking a server what to show next, one question at a time, so there is nothing useful I can render without it.

Two things that still work. The full VA loan breakdown, which covers entitlement, the funding fee and who the benefit fits, is a plain page: read the VA loan breakdown. And if you would rather just talk it through, book fifteen minutes.

What this checks

Four things.

Your entitlement. How much of your VA benefit you still have to use, and whether anyone has actually confirmed that or simply assumed it.
The funding fee. Most veterans pay a one-time fee on a VA loan. Some do not have to pay it at all. This works out which group you are likely in.
Your timing. Whether what you have ready now lines up with when you want to buy.
The answer you were already given. Whether it came from someone who read your file, or from someone who ticked a box.

What this is not

It is not an application. It is not a rate, a payment estimate, or a quote, and you will not find any of those here. Eight questions cannot produce a real number, and a made-up one is worse than none. It is not an approval or a denial. And it is not a credit check, so nothing here touches your credit file.

Why I built it

I am a U.S. Army Veteran and I run VA files constantly. The single most common thing I find is a veteran sitting in a loan he never needed, paying a fee he never owed, because nobody spent fifteen minutes explaining the benefit he earned. This takes three minutes and it tells you whether that is you.

Want the full explanation first, entitlement, the funding fee, who it fits and who it does not? Read the VA loan breakdown →